adakah bagus kalau invest sebelum dividend dan dapatkan full dividedns?

contoh.

u invest RM10,000 dan dividedns 5%. betul, u akan dapat penuh 5%, iaitu RM500.

tapi selepas u dapat rm500. yg tinggal adalah rm9500. bukan rm10,000 atau rm10500.

kalau u re-invest, still rm10,000 dan unit akan bertambah.

yg penting faham apa itu dividedns atau income distribution vs capital gain in UT sebelum beli.

contoh lagi:

Income Distribution VS capital gain.

Total return in UT = income distribution(if any) + Capital gain/loss.

The effect of income distributions if cash out.

Public SmallCap Fund.

Risk Factor : Aggressive.

Financial year : 31 August

Launch Date : 13/06/2000

If RM10,000 invested in this Fund on 13/06/2000. After the service charge, 20,000 units purchased at RM0.470 for the price RM9400.00

Current value/returns as at 01/12/2010:

Public Smallcap Fund = RM40,931.95 with market price RM0.8732 per unit. (the income distribution re-invested)

Public SmallCap fund managed to give up to RM40,931.95 (309.31% in 11 years). with average simple return 28.12 annually.

Actual Profits = RM40,931.95 - RM10,000 = RM30,931.95

Total return = RM30,931.95 / RM10,000 X 100 = 309.31%

Average simple return 309.31% / 11 years = 28.12%

Since the distributions for RM10,000, re-invest back (Compounding interest) , Public Smallcap fund managed to give RM40,931.95 as at 01/12/2010.

tis is call capital gain over the time.

Let see what will happen if the distributions take out as CASH. (No Compounding interest to work for money)

2000 - No distribution given for Public Smallcap fund

2001 - No distribution given for Public Smallcap fund

2002 - RM0.040 given for per unit.

Total units purchased X Rm0.040

20,000 X Rm0.040 = RM800.00 (Taken out)

If the distributions taken out, the remaining units in investment are still 20,000 units.

2003 - RM0.035 given for per unit.

Remaining units X Rm0.035

20,000 X Rm0.035 = RM700.00 (Taken out)

If the distributions taken out, the remaining units in investment are still 20,000 units.

2004 - RM0.050 given for per unit.

Remaining units X Rm0.050

20,000 X Rm0.050 = RM1000.00 (Cash out)

If the distributions taken out, the remaining units in investment are still 20,000 units.

2005 - RM0.060 given for per unit.

Remaining units X Rm0.060

20,000 X Rm0.060 = RM1200.00 (Cash out)

If the distributions taken out, the remaining units in investment are still 20,000 units.

2006 - RM0.050 given for per unit.

Remaining units X Rm0.050

20,000 X Rm0.050 = RM1000.00 (Cash out)

If the distributions taken out, the remaining units in investment are still 20,000 units.

2007 - RM0.090 given for per unit.

Remaining units X Rm0.090

20,000 X Rm0.090 = RM1800.00 (Cash out)

If the distributions taken out, the remaining units in investment are still 20,000 units.

2008 - RM0.080 given for per unit.

Remaining units X Rm0.080

20,000 X Rm0.080 = RM1600.00 (Taken out)

If the distributions taken out, the remaining units in investment are still 20,000 units.

2009 - RM0.080 given for per unit.

Remaining units X Rm0.080

20,000 X Rm0.0850 = RM1600.00 (Cash out)

If the distributions taken out, the remaining units in investment are still 20,000 units.

2010 - RM0.090 given for per unit.

Remaining units X Rm0.090

20,000 X Rm0.090 = RM1800.00 (Cash out)

If the distributions taken out, the remaining units in investment are still 20,000 units.

Total incomes/distributions taken out (Cash out) are:

2002 -RM800.00 (No Compounding interest for next 8 years)

2003 - RM700.00 (No Compounding interest for next 7 years)

2004 - RM1000.00 (No Compounding interest for next 6 years)

2005 - RM1200.00 (No Compounding interest for next 5 years)

2006 - RM1000.00 (No Compounding interest for next 4 years)

2007 - RM1800.00 (No Compounding interest for next 3 years)

2008 - RM1600.00 (No Compounding interest for next 2 years)

2009 - RM1600.00 (No Compounding interest for next 1 years)

2010 - RM1800.00 (No Compounding interest for next 0 years)

Total - RM11,500.00.

If the remaining 20,000 units sell-back at RM0.8732 on 01/12/2010 = RM17,464.00

Total returns = RM11,500.00 + RM17,464.00 = RM28,964.00 only

So,

If the distributions NOT taken out and let the compounding interest work, As at 01/12/2010 the return is RM40,931.95.

If the distributions taken out, the return only = RM 28,964.00.

Diff = RM40,931.95 - RM 28,964.00 = RM11,967.95

If distributions re-invest back, the units will grow and more returns over the time if the fund perform well.

so, this is how to get high capital gain by re-invest the income over the time.

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